Comparing Auto Insurance Prices Advice

It is scary how expensive car insurance can be these days! In order to get the best rate, it's important to shop around and compare prices from various insurance companies. Unfortunately, many of them do not make these comparisons easy on purpose because they do not want you to realize that you are paying too much for your insurance. The first thing you should do is contact your present insurance company to understand your existing policy. Make sure that it's what you think it is and request changes if you hear anything surprising. It's important to understand not only how much you are paying, but also what you are paying for: What is your deductible? How much coverage do you have for certain events like vandalism and an accident with an uninsured driver?

Once you understand your current policy, start calling around to check prices at other companies. It's important to request a quote on exactly the same coverage as you have now since you can not otherwise compare easily. Some companies will also allow you to request a quote via their website and this is something you can do without sitting on hold on the phone for long periods of time. Another option is to work with an auto insurance broker who has relationships with many insurance companies. They can understand your situation and get comparable quotes from a variety of providers in order to help you select the lowest one. This is a great choice if you do not have time to do the search for cheaper insurance yourself.



Source by Jim Tonkins

Auto Repair and Maintenance

For most of us, a car is an investment. It is our way to work, and it is our way to run errands. In some parts of the country, life without a car can be pretty difficult. If you have a vehicle it will be your most expensive purchase. Auto repair, maintenance, registration, and, in some states, annual inspections come to mind. We all want to be safe and we all want our cars to last a long time. So, what does maintaining your car actually look like? It's not nearly as complicated as you might fear.

The most basic maintenance is an oil change. If you are a do it yourself project this is a pretty basic job. If you do not want to grease on your hands it is thankfully pretty inexpensive, but it is important nonetheless. This should be done every 3,000 miles. If you take it to someone they will check spark plugs, air filters, and fluid levels. It might be a good idea to more frequent oil changes or check the oil level more often if you notice leaks, drive in a lot of stop and go traffic, or tow a trailer.

The suspension of your car needs attention. You will want to have your vehicle's struts, or shocks checked. When you take your car in to have your tires rotated the mechanic will check these things and make sure your car is properly aligned. Also, if you state requires a yearly inspection you will be required to have this checked out. This helps your car handle better. Sometimes a problem can be as simple as low tire pressure. Once you get a little air you may find your vehicle is good as new. When problems with the suspension occur they can be dangerous. Auto repair often just means regular maintenance.

Keeping up with transmission fluids can help your car shift smoother. Replacing a transmission is far more expensive than maintaining your vehicle's fluids. Brake fluids are important to maintain as well as brake pads. You can reduce a lot of costly repairs by keeping an eye on these fluids.

Auto repair is about safety and protecting your investment. It is important to find a mechanic who will help you keep up on your car's repairs. Someone who can do quality work when your car lets you down as well as helping with maintenance so it does not let you down often.



Source by Anders Abadie

Don’t Risk It, Get the Protection and Security You Need With Travel Insurance

Let’s face it, getting travel insurance can be a very overwhelming and tedious process, making it easy to put off and even forget entirely. But before you head off on your international adventure, you might want to consider getting coverage through some travel insurance, just to be on the safe side.

With some luck, you’ll be glad it’s something you have and won’t need to use. But we all know that in life things happen, so it’s a good idea to find a travel insurance policy that fits your individual needs, travel agenda, and budget. Many travel agents and private companies offer travel insurance, and they have a wide variety of types and options to choice from.

What does Travel Insurance cover?

Basic coverage of travel insurance includes some financial losses while traveling, as well as limited medical expenses, including medical evacuation. The most common type of travel insurance is trip cancellation or trip delay insurance. This type of policy covers you and your travel companions in case you need to cancel, interrupt or delay your trip. However, the acceptable reasons for canceling or interrupting your trip will depend on the insurance policy, but most likely you’ll be covered for the following reasons:

o Sudden business conflicts

o Change of mind

o Delay in processing your visa or passport

o Illness or injury

o Weather related issues

In case your flight is canceled or delayed, travel insurance companies may provide additional coverage such as expenses that the airlines won’t cover, like taxi fares to the hotel or meals during your wait at the airport.

It’s also a good idea to have a plan with medical coverage of up to $1,000,000 in the case you become ill, need medical assistance, or have a flight accident occur. It’s also good to review the amount deductible by your insurance plan (this is the amount you’ll need to come up with before the insurance company picks of the rest). Make sure it covers repatriation (evacuation to your home country, rather than the nearest regional medical facility); make sure that does not mean you will be sent to the country where you purchased your travel insurance plan either, but your home country. If you’re planning a visit to multiple countries, make sure all the countries are included in the region covered by your insurance policy.

To learn more about these types of coverage and more specialized coverage, read The Basics of Travel Insurance.

To invest or not? How to make travel insurance work for me.

Purchasing travel insurance is great for insuring your money, should any unforeseen events pop-up, especially if you invest large sums of money on extravagant travel packages. To determine whether you want to invest in travel insurance your not, ask yourself these questions:

o Did you invest a lot of money into your travel plans?

o Are you traveling overseas?

o Which regions or countries are you visiting and for how long?

o Are you planning on participating in any extreme sports?

o Can you afford the cost of your trip back home if any emergency arises?

o Will you be able to afford medical care if you or someone you are with gets sick and needs immediate medical attention?

o How old are you and how is your overall health?

o Do you have any pre-existing conditions that need regular, special attention?

You can purchase your travel insurance for a single trip, multi-trip, or with an annual policy, all depending on how frequently you travel and the length of your trip. Comprehensive travel insurance can cost anywhere from 4% to 8% of the cost of your trip, depending on type of coverage, the length of the trip, the destination, and the age of the travelers. It is best to purchase your travel insurance between 7 to 21 days of purchasing your travel itinerary. Usually the maximum coverage period for insurance providers is for one year abroad.

Go through the fine print on your policy and check whether you will have to pay on the spot and redeem the money later for any medical expenses, or will the insurance company pay providers directly. If you have to claim it later on, you will want to hang on to all documents.

If you have a pre-existing medical condition, get an insurance policy that will specifically cover it. Also examine which adventure sports and activities the plan does and does not cover (rarely does it include scuba diving and hang gliding). Lastly, for your benefit, a policy that is flexible and can be extended while you’re already away is recommended. You never know whom you’ll meet, and you just might want to extend your trip.

Another good tip would be to get in touch with your credit card issuer before investing in travel insurance. At http://www.creditcards.com/, a credit card information site, suggests calling your credit card issuer to see if you have any free travel benefits that you may not be aware of, for example, insurance on lost or damaged luggage. However, according to USTIA, canceling a trip at the last minute and being reimbursed by your credit card company is the most common misconceptions among travelers. And sometimes credit card companies have limitations on only cover up to 3 months of travel. It’s worth investigating.

Lastly, if you have existing health coverage, it would be wise to get in touch with them before hand, especially if you will need vaccinations and other medicine for your trip. Depending on your health insurance plan, ask for a ‘travel packet’ and they will send you important information regarding your coverage, if any, while abroad. It might turn out you might already be covered for somethings, but not for others.

Where can I purchase Travel Insurance?

There are many sites and companies offering travel insurance online. Among them are leading companies such as World Nomads, Travel Guard, and InsureMyTrip, just to name a few. A new online resource called Squaremouth, helps travelers easily and instantly compare all the major travel insurance plans at one site. You’ll be able to get immediate quotes from several major, reputable travel insurance providers and compare policies and their prices. It’s a good starting point and one that you can trust.

Helpful Tips for once you’ve purchased your Travel Insurance:

o Scan your insurance policy electronically and save it somewhere securely online

o Make one copy for yourself to bring on your trip

o Make another copy for a trusted family member to keep at home

o Have the emergency hotline number accessible during your trip, but make sure you try it out before leaving home to ensure its operating and correct

o List out any medications you are taking (including vaccinations for your trip), and a list of allergies you have; keep this with your insurance emergency number

o Keep all receipts at home

o Review all the fine print in your insurance policy and determine which adventures you will be taking and which risks might not be worth it

Finally, get ready for a trip of a lifetime! Hopefully you’ll avoid ever using your insurance plan, but it will give you and your loved ones more security knowing you’re protected.



Source by Meghana Kamdar

Airport Parking and Vehicle Servicing

Parking your car at any airport can be a stressful time and even more so at Heathrow Airport the UK's busiest airport. If you are going on holiday or away on business and are flying from Heathrow Airport, you need a company who will take the stress, worry and hassle away by offering an excellent, professional and personal unique service combining airport parking & providing your car with a part or full service while you are away.

People incur numerous problems when parking their car at an airport including: Booking a local parking facility prior to their trip away not to mention the high costs involved especially in peak season, making your way to the terminal can be a task in itself. Waiting for the for the shuttle at both the beginning and the end of your trip and last but not least returning to your car after your holiday to find it is covered in dirt and dust or worse still does not even start.

Call a company who take clients directly to the terminal building before taking the clients vehicle to their fully equipped car servicing and storage facility located only minutes from London's Heathrow Airport. Search Google for a Company who will then proceed to carry out all the necessary repairs, maintenance or car servicing required by you. You should rest assured that your car is in good hands and securely stored at their secure concessions. All vehicles should be returned to clients in a pristine and excellent working order including a safe journey home. This takes all the hassle out of parking at the airport. Find a Company who offer a complete professional service dedicated to your individual needs and offer a complete range of services to all major makes and models of car.

These unique meet and greet services offer free collection and delivery while you have peace of mind that your car will be delivered personally to you so you do not have to worry about it getting scratched, damaged, dirty or unable to start so you can enjoy your holiday. If you wish to take advantage of this unique service and have you car serviced while you are away,



Source by Amy L Cook

5 Auto Repair Readiness Things You Must Do To Winterize Your Vehicle

Winter is coming, and just like you'll want to take steps to winterize your house against the cold weather, you should also prepare your vehicle against the onslaught of old man winter. Winterizing your auto is not difficult or too time-consuming. Most of the steps can be done on a do-it-yourself basis. The time and trouble spent following a simple winter prep routine will allow you to drive more comfortably and confidently when the cold weather hits. Here's a list of things to consider.

Engine Oil

Changing your engine oil and filter at the beginning of the cold season is a good idea. If you live in an area where the temperature drops below freezing, you might consider running thinner oil during winter. If you typically use 10W-30, switching to 5W-30 will provide better engine protection when driving in cold weather. If you're currently using conventional motor oil, consider the benefits of modern synthetic oils. These have been shown to give better anti-friction protection and allow for greater time or distance between oil changes.

Tires

Make sure you have the appropriate tires for winter driving is critical, especially for drivers likely to encounter snow and ice. Good all-season radials may provide adequate all year driving performance in areas where snow and ice are only a minor concern. Just make sure there's plenty of tread, with 2/16 "being the minimum.

In locales where snow- and ice-covered roads are typical, specialized snow or winter tires are recommended. This means having two separate sets of tires for your vehicle and switching them out at the beginning and end of the winter season. Keeping track of which tires were removed from which wheels will enable you to incorporate your regular tire rotation routine into the swapping over process.

Battery

Car batteries require more power to start an engine in cold weather and the preventive maintenance you perform now can save you from being stranded later. Batteries need to be topped off to the full level line and should have a charge of at least 12.4 volts. Make sure your battery cables are in good condition, with no cracks or cracks, and that the connectors are clean and fit tightly to the battery terminal posts.

Fluids

An automobile requires a variety of different fluids to perform properly and these should be checked to ensure that they are at the proper fill-level. These include power steering fluid, transmission oil and brake fluid. For proper winterizing, windshield washer fluid should be topped off with a solution that contains anti-freeze or some other additive that will prevent the fluid from freezing. This is also a good time to check the condition of your windshield wipers and to ensure that the nozzles that deliver the windshield spray are not plugged and are properly aimed for good coverage.

The radiator should be checked for leaks and filled with the proper mixture of water and anti-freeze, determined by the temperature in the area you'll typically be driving. A radiator flush is not a bad idea either, and will extend the life of this critical component.

Exterior Treatments

If your car's exterior has suffered any recent damage that has not been repaired, it's best taken care of before winter sets in. The harsh weather combined with salt used on roads will accelerate any rust or corrosion developing in the area of ​​a dent or ding. A good cleaning and polishing of your auto's exterior will provide wintertime protection from the elements, and should also be considered.

These five items are a good place to start your auto repair winterizing and should be done before the first frost. These preparations should give you peace of mind and should help to ensure trouble free winter driving.



Source by Ron Stockton